Salary Calculator

Split an annual CTC into basic pay, HRA, special allowance, PF, and an estimated monthly in-hand figure.

Enter the values and press Calculate.

Your result will show here.

About this calculator

CTC is the yearly cost to the company, not the cash that reaches your account. Employer provident fund sits inside CTC and never arrives as salary. Employee provident fund is deducted from the gross. Professional tax, if your state charges it, is another deduction.

This split is a model: you choose basic as a share of CTC and HRA as a share of basic. The rest, after employer PF and an optional gratuity provision, is called special allowance. Many offer letters work this way. Yours should win if the percentages differ.

The gratuity tick subtracts about 4.81% of basic, which is the yearly provision under the 15/26 formula. It is not cash in the monthly salary.

The TDS option is deliberately narrow. It runs the new-regime estimate on the gross salary after the standard deduction. It will not match a payslip that exempts HRA or uses the old regime. Use the income-tax and HRA calculators when you need those pieces.

CTC split used here

Basic = CTC × basic %
HRA = basic × HRA %
PF wages = basic, or ₹15,000 × 12 if you cap the wage
Employer PF = employee PF = 12% of PF wages
Gratuity provision, if included = 4.81% of basic
Special allowance = CTC − basic − HRA − employer PF − gratuity provision
Monthly in-hand = (basic + HRA + special allowance) / 12 − employee PF / 12 − professional tax − estimated TDS

How to read the result

Start with the monthly in-hand line. Then check basic, HRA, and special allowance. If the special allowance is almost zero, the basic percentage is high for that CTC.

Leave the PF cap off when PF is 12% of actual basic. Turn it on when the payslip shows ₹1,800 a month, which is 12% of the ₹15,000 wage ceiling.

Use the HRA calculator afterwards if you pay rent and want the exemption, and the in-hand calculator if you already have the monthly breakup from the payslip.

Read monthly in-hand first

Then check that special allowance is not negative.

See the result card

How to use

Enter annual CTC.
Set basic as a percentage of CTC. 40% is a common starting point, not a rule.
Set HRA as a percentage of basic. 40% is often used outside metros and 50% in metros, but your letter may differ.
Turn on the PF wage cap only if your employer limits PF to the ₹15,000 ceiling.
Enter the professional tax for your state. ₹200 is only a placeholder.
Turn on TDS only if you want a rough new-regime estimate.
Press Calculate.

Important notes

Employer PF is part of CTC and is not paid to you every month.
The special allowance is the remainder. If it would be negative, the split does not fit the CTC and the tool stops.
Professional tax is a state levy. Check your state’s slab.
The optional TDS line uses the new regime on gross salary after the standard deduction only. It ignores HRA exemption and old-regime 80C.
Bonus, variable pay, and labour-welfare deductions are not included.

FAQ

Is CTC the same as in-hand pay?

No. CTC includes employer PF and, if you tick it, a gratuity provision. In-hand pay is what remains after employee PF, professional tax, and any TDS.

What is the ₹15,000 PF cap?

Some employers calculate PF on a wage ceiling of ₹15,000 a month, so the deduction is ₹1,800. Others use 12% of actual basic. Match your payslip.

Why can the special allowance fail?

If basic, HRA, and employer PF already use up the CTC, there is nothing left. Lower the basic or HRA percentage.

Does the TDS match Form 16?

Only in the simple new-regime case. HRA exemption, other income, and the old regime are not in that tick.

Disclaimer

Results are estimates for general information. Verify important decisions with an appropriate professional or official source. Your appointment letter and payslip override this split.

Last updated 5 October 2026.